Monday, November 9, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
3,829 reviews
Pumpkin Pet InsuranceSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
If pets are your kids, we’re your insurance.Dog, cat – doesn’t matter.When your kid is hurt or sick, a Pumpkin Pet Insurance plan can help you make decisions based on need, not cost, with up to 90% cash back on eligible vet bills. Count on premium accident and illness coverage, plus an urgent pay service that shows up in the moments that matter most – before you pay for treatment. At Pumpkin, we’re here for wellness too, with products to support the preventive care vets recommend every year, through every phase. You want the best for them. We’re right there with you.
Pumpkin Pet Insurance (pumpkin.care) has 3,829 customer reviews on The Fair Hearing, with an average rating of 4.8 out of 5.
Showing 32 reviews with 2 stars · Clear filters
No follow up.. next step etc.
By Kp
Response from Pumpkin Pet Insurance· Feb 24, 2023
Hi Kendra! We apologize for any confusion here, we do see you recently joined the pack! We've sent you a follow up email to see how we can lend a paw.
You disappeared
By Maggie
Response from Pumpkin Pet Insurance· Jan 18, 2023
Thanks for your feedback, Maggie! If there is anything we can assist you with, please email us at [email protected] and we'd love to lend a paw for you and Frankie!
Keep getting emails asking me to purchase a policy. I thought I already did. But I haven’t received anything with any policy number or info on what it covers. Very confused. You do a great job of selling but how about a little customer support after you e closed the sale??
By FlGirlMomo
Response from Pumpkin Pet Insurance· Jan 18, 2023
Thanks for this feedback, Irene! We've sent you an email directly with some more information as well as attaching your policy for you!
I received paperwork in the mail today for my 3 pets that I enrolled. But it did not include info on the wellness plan that I opted for as well. I would have like to have gotten more info electronically right away after enrolling, in a easier to understand right away how the policy will work and how claims are made. Its a lot of money.
By customer
Response from Pumpkin Pet Insurance· Jan 18, 2023
Thanks for this feedback, Karen! Since the Preventive Essentials Plan is a non-insurance add-on product, it is not included with the mailed insurance policy. Not to worry, though, we've sent you an email with this information as well!
My pet is being treated for a limp that in a chat I was told would not be covered. Also, my 2 claims say they are awaiting Vet information. I was a the vet and asked them about this. They said they didn't receive any request for Mia"s chart. What is going on with my claims?
By STEPHANIE I.
Response from Pumpkin Pet Insurance· Jan 18, 2023
Thanks for your feedback, Stephanie. Like most providers, we are unable to provide coverage for pre-existing conditions. This means that anything that was showing signs or symptoms as noted by your vet prior to enrolling or during the 14 day waiting period would not be eligible for coverage. That being said, we may still be able help with new accidents or illnesses that may arise in the future! For all claims filed, we do need medical records from any veterinarian you have seen for your pet. We do attempt to reach them directly, but sometimes it can help speed things up if you let them know we are trying to get in touch! If you need further assistance, please contact us at [email protected] or give us a call during business hours.
The two illness/injury claims I filed were almost immediately denied. I had to go through an appeals process and in one instance file a complaint with the State Corporation Commission to get a response. They blatantly ignored timeliness in their policy, saying it could take 60 days to resolve an appeal when the policy stated 30. Ultimately, I cancelled. For the expense, there are better insurance providers.
By Erin & Matt G.
Response from Pumpkin Pet Insurance· Nov 21, 2022
We're so sorry to hear of your frustrations, Erin and Matt. Like most providers, we are unable to provide coverage for anything showing signs or symptoms prior to coverage as noted by your veterinarian in their notes. That being said, we could still help with new accidents or illnesses that may arise in the future if you were to stay covered! It is always most helpful to obtain coverage early and avoid any lapse in coverages.
Pumpkin likes to overcharge you. Especially when it’s a long holiday weekend, and no one is able to be reached
By Jeramie K.
Response from Pumpkin Pet Insurance· Jul 5, 2022
Thanks for your feedback, Jeramie! We do apologize for the delays over the holiday weekend. We also understand that it's challenging when costs for things go up. We do everything we can to keep our premiums as affordable as possible, however, sometimes increases are necessary. On the insurance side, a few factors that can contribute to an increase in premium are the age of your pet, advances in veterinary medicine, or an update to the coverage that your policy provides. Preventive Essentials could also increase. We will always send you advised notice of any changes to your premium.
This is based on my most recent experience. Claim was submitted and over a week passed before I received an email it is still in review. That's been more than a week ago. Not a complicated claim. Disappointing as previous claims have been handled so quickly and efficiently.
By customer
Response from Pumpkin Pet Insurance· May 24, 2022
Thank you for your feedback! We do appreciate your patience while we process claims as quickly as possible. Keep in mind we do request updated medical records from your veterinarian whenever a claim is filed, which can slow down processing a bit!
